First read my post from a couple months ago pasted Below. Now Its been past the 90 days they promised now what? I was unaware of this collection acct until I checked my credit reports. I considered that my notification and disputed immediately. I heard nothing from CA. After 30 days I sent a second letter stating they did not respond in a timely manner. This afternoon I just recieved a letter from them stating the following: -We obtained your acct from xxxxxx on xx/xx/xx on that date we sent you a notification letter giving you 30 days to dispute..... -I have requested your file from xxxxxx (OC). This process will take up to and including 90 business days. Once your file is recieved we will be able to validate your debt. Now, I don't recall ever recieving a notification letter from them. It is possible that perhaps they sent it to an old address or perhaps i thought it was junk mail and threw it away, however, i honestly dont remember anything about recieving one. Do I have any recourse here? Can hold them to their lack of a timely response or should I just consider myself lucky they're offering to validate at all? they did give a 90 day time frame, if I don't hear from them in 90 days should I demand they remove it? Additional note. I disputed this with all 3 CRAs and it was deleted from 2 of them....damn experian. Any advice is appreciated. Thanks in advance.
